2005 Chevrolet Express Car Insurance Quotes

I can’t think of anyone who looks forward to paying for insurance coverage, especially when the cost is way too high. Many auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the absolute cheapest price

Your Chevy Express insurance rate is a complex equation

Smart consumers have a good feel for the different types of things that help determine your car insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with lower car insurance prices.

The following are some of the factors companies use to determine rates.

  • Extra coverages can waste money – There are quite a few add-on coverages that can waste your money on your car insurance policy. Coverages for personal injury protection, accident forgiveness and membership fees are some examples. They may seem good when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Do you have enough liability coverage? – Liability insurance provides coverage in the event that a court rules you are at fault for damages from an accident. Liability provides for a legal defense starting from day one. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
  • Clean credit earns discounts – Credit rating is a huge factor in determining your rates. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers with lower ratings. If your credit history can use some improvement, you could pay less to insure your 2005 Chevrolet Express by repairing your credit.
  • Low deductibles can be expensive – Physical damage deductibles represent how much money you are required to spend before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. The more money you’re willing to pay, the less your company will charge you for insurance on Express insurance.
  • Pleasure use or commuting – The more you drive every year the higher your rates will be. The majority of insurers rate vehicles based upon how you use the vehicle. Autos that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Express may be costing you. Verify your car insurance policy is rated on the correct driver usage, because improper ratings can cost you money.
  • Never go without insurance – Driving with no insurance can get your license suspended and you will pay a penalty because you let your coverage lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a steep fine or even jail time.
  • More claims means more premium – If you file claims often, you can pretty much guarantee higher rates. Insurance companies award cheaper rates to policyholders who do not rely on their insurance for small claims. Insurance coverage is intended for the large, substantial claims.
  • Safer occupants lowers premiums – Cars with high safety ratings are cheaper to insure. Safer cars protect occupants better and fewer injuries means lower claim amounts and lower rates for you. If your Chevy Express scored better than four stars on Safercar.gov you may qualify for a discount.

Are you getting all your discounts?

Companies that sell car insurance don’t always publicize every discount very clearly, so we break down some of the more common and also the lesser-known insurance savings. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Accident Free – Good drivers with no accidents pay much less when compared to drivers who are more careless.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% on Express insurance with certain companies.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you may save up to 20% off your total premium.
  • Low Mileage – Driving fewer miles can qualify you for discounted rates on garaged vehicles.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only cut specific coverage prices like comp or med pay. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky.

To see a list of insurers offering insurance discounts, click here.

When might I need an agent?

When it comes to choosing proper insurance coverage, there really is no one size fits all plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

  • I have a DUI can I still get coverage?
  • Do I benefit by insuring my home with the same company?
  • When should I drop full coverage on my 2005 Chevy Express?
  • Am I getting all the discounts available?
  • How do I buy GAP insurance?
  • Why am I required to buy liability insurance?
  • What if I owe more than I can insure my car for?
  • Does my liability insurance cover pulling a trailer or camper?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Insurance specifics

Understanding the coverages of insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

Collision coverages – Collision coverage pays for damage to your Express resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, rolling your car, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for bills for things like EMT expenses, hospital visits and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – This provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Express.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages – This coverage provides protection from damage that occurs to people or other property that is your fault. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like pain and suffering, emergency aid, loss of income, bail bonds and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Comprehensive insurance – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, falling objects, hitting a bird and theft. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Buy online or local, you save

Cheap 2005 Chevy Express insurance is attainable from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. There have been many cases where someone dropped liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage for the lowest price.

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